Stop with the denial and the excuses
One thing I’ve noticed in common with people who are perpetually falling back into debt, or unable to climb out of the hole they’ve dug themselves in, is that they are always full of crap.
They have plenty of extremely creative excuses as to why they can’t change their situation for the better, and it’s always something or someone else.
- But we’ve been paying the balance on our credit cards…. (yeah, but with your line of credit!)
- I’m going back to work now, so it looks a lot more manageable…. (only if you made 2X as much!!)
- I’m in debt because my parents didn’t pay for my tuition… (mine didn’t either!!*)
- That was just a one-off thing, it won’t happen again… (hence why you have to budget for it)
- I’m too skilled to deserve that kind of work, I should be paid more… (perhaps in your head!!)
- I can’t work full-time, who would watch the dog/baby/home?…..(OMG!!)
* The only thing I bitch about my parents not paying for my tuition is that when I was young, they promised me that they had saved $10,000 for each of our education funds when they won the small jackpot.
Turns out, my parents gambled/wasted all of that money away, and then lied by pretending they never said that when I got into a college I wanted.
So I took on $60,000 of student debt and worked 2 full-time jobs during college, and cleared every penny in 18 months after I graduated, which ended up being a better education for me in the end.
I watch a lot of debt shows like Princess and ‘Til Debt Do Us Part along with reading plenty of PF blogs online.
I was stupid once. VERY stupid. But I basically learned from my mistakes for the most part, and the only stupid mistakes I make now are in impulse purchases and impulse decisions (banking fees are a b*tch).
On the show, some couples fight with Gail like it’s their life’s mission to prove her wrong.
Some PF bloggers continually go back into credit card debt even when they themselves have written how stupid that is.
Or they refuse to take jobs ‘beneath them’ when they clearly need the money, and are sinking in debt.
That’s where I get really annoyed.
Frankly, it makes me sort of frustrated when I hear or read such REPEATED stupidity, because I actually want people to do the best so that they can and be successful and lead happy, financially stable lives.
Saving instead of spending on whatever you want is not fun.
Living on less is not fun.
Working a lot is not always fun.
What is fun, is that when you’re 65 and about to retire, you don’t have to wake up at 6 a.m. to commute 2 hours to work, work 8 hours, come home and crack open a can of cat food for dinner, only do it all over again, every day until the day you die.
It’s pretty simple, folks, and if you don’t want to help yourself succeed, then you can’t blame anyone but yourself:
- Make a budget and track your spending
- Spend less than what you earn
- Save as much as you can
- If you don’t have enough money to live, then make more money
I don’t want to hear any more excuses. If you know you’re full of denial, you’re probably full of it.